The Research On China Farmer Microcredit

Since the ancient times, China is a big agricultural country. The base of rural economy is very weak, plenty of farmers are living hard, so promoting the income increase for poor farmers is quite important. The farmer microcredit is innovative for rural finance. It is developing based on foreign advanced experience, The farmer microcredit has been developing for nearly20years in our country,and playing an important role in rural economic developing process.At present, the farmer Microcredit operation depend on formal financial institution in China, this is differs from the major operation mode over the world. The thesis uses the practise research method. It take the Suining city’s development practice as the object of research.It analyzes and summarize the rural financial institution operation experience on innovation, major problems and solutions. The thesis aims to supply some suggestions for sustainable development of China farmer Microcredit through combine the worldwide advanced experience and Suining city’s practice.The thesis is divided into five part. The first part paves the way for the thesis, the four aspect is the research background of thesis, the research purpose and meaningful, the theory research at home and aboard.Part two summarizes the character of farmer Microcredit’s development. The major mode for microcredit in the word is NGO mode, formal rural financial institution+rural mutual cooperation institution mode, formal institution mode and The country microcredit wholesale mode. This part summarizes the five advanced experience in the world and the characteristics for development of China farmer microcredit.Third part researches on the development of Suining’s farmer microcredit, briefly depicts its recent situation, compares the three rural financial institution’s farmer microcredit operation with three aspects:credit product, management and operation chains. At last, it summarizes three innovation:the microcredit for women, the sunshine project of microcredit,"company+base+farmer"mode.Fourth part is to find problem and give solutions. At present, there exist three disadvantages for Suining’s farmer microcredit:the contradiction between supply and demand, the loan process set is unscientific and marketing lowing. The solutions for the problem is to renew the loan process, focus on characteristic and differ operation, focus on credit environment construction and credit awareness nurturing.Fifth part is based on foreign advanced experience and the practice of Suining, it discusses some factors that affect the farmer microcredit, such as loan pricing, risk management and balance of economy benefit and social benefit.